? Cashless Medical Treatment in India for Cigna Global Health Insurance Members

Coordinated by Satyug Healthcare · Your Trusted Medical Travel Partner in India

As a Cigna Global Health Insurance member, you have access to one of the world's largest healthcare networks — spanning over 190 countries. Through Satyug Healthcare, you can use your Cigna policy for advanced medical treatment at India's leading JCI/NABH-accredited hospitals on a 100% cashless basis.

From eligibility verification and Cigna pre-authorization to airport pickup, accommodation, hospital admission and post-discharge care — Satyug Healthcare manages every detail of your medical journey in India.

• Cigna Global, Cigna International and Cigna Expat policyholders
• Corporate and individual health plan members with international treatment benefits
• Expatriates and global citizens living in the Middle East, Africa, Europe, Asia and beyond
• Specialities covered: Cardiology, Cardiac Surgery, Oncology, Orthopaedics, Joint Replacement, Neurosurgery, Spine Surgery, Transplants (Liver/Kidney/Bone Marrow), Gastroenterology, Urology, Gynaecology, IVF, Paediatrics, ENT and more

? Phase 1: Pre-Travel Assistance

• Free Medical Opinion & Treatment Plan — Your medical reports are shared with top specialists at Cigna-empanelled hospitals to obtain a detailed medical opinion, treatment plan, estimated cost and length of stay — at no cost to you.
• Cigna Eligibility & Policy Verification — We verify the validity of your Cigna card, confirm coverage details (inpatient, outpatient, diagnostics) and coordinate with Cigna's Third Party Administrator (TPA) for pre-authorization.
• Pre-Authorization Letter (PAL) — Once Cigna approves, the hospital issues a Pre-Authorization Letter confirming cashless treatment.
• Medical Visa Invitation Letter — Issued by the hospital to support your Indian medical visa application for the patient and accompanying attendants.
• Travel & Accommodation Planning — Guidance on flight booking and verified, comfortable accommodation (guesthouses, serviced apartments, hotels) near the hospital.

?? Phase 2: Your Arrival & Treatment in India

• Personalised Airport Reception — A Satyug Healthcare executive receives you at the airport (Delhi/Mumbai/Bangalore/Chennai/Hyderabad) with comfortable transfer to your hotel or hospital.
• Smooth Hospital Admission — We handle all admission formalities and ensure your cashless approval is active before admission.
• Dedicated 24/7 Case Manager — Your personal point of contact for language interpretation, daily updates, hospital navigation and family communication.
• Doctor Consultations & Scheduling — All appointments with specialists, surgeons, diagnostics and procedures organised on your behalf.
• Billing Oversight & Cigna Coordination — Continuous monitoring of hospital billing, ensuring alignment with the approved plan and direct settlement with Cigna.
• Interpreter & Dietary Support — Language assistance and customised dietary arrangements (halal, vegetarian, gluten-free, diabetic).

? Phase 3: Post-Treatment & Departure

• Complete Medical Records — Comprehensive discharge summaries, diagnostic reports and treatment records before you leave.
• Medication Procurement — Assistance in procuring required medications for your return journey and continued care at home.
• Tele-Follow-Up — Scheduled remote video consultations with your treating Indian doctor after you return home.
• Comfortable Airport Drop-Off — Final transfer back to the airport for your journey home.

Contact Satyug Healthcare with your medical reports and a brief description of your condition. We share your case with top specialists at Cigna-empanelled hospitals and obtain a detailed medical opinion, treatment plan and cost estimate — all free of charge.

Share the following documents via WhatsApp or email:

• Clear scanned copy of your Cigna Global Health Insurance card (front & back)
• Passport copy of the patient
• Passport copy of the accompanying attendant(s)
• Latest medical reports, scans and doctor's prescription

Once you approve the treatment plan, we issue an official Medical Invitation Letter from the hospital to support your Indian medical visa application for the patient and accompanying attendants.

We share the hospital's treatment estimate with Cigna Global Health Insurance (via their TPA) to obtain pre-authorization for your treatment. Once Cigna approves, the hospital issues a Pre-Authorization Letter (PAL) confirming that your treatment will be cashless. You travel to India with complete financial peace of mind.

A Satyug Healthcare executive receives you at the airport in India and arranges comfortable transfer to pre-booked, verified accommodation near the hospital — guesthouses, serviced apartments or hotels to suit every budget.

Your dedicated case manager accompanies you through admission, doctor consultations, procedures, ICU/ward stay, billing and discharge — providing language support, family communication and emotional reassurance throughout your entire medical journey. After discharge, we coordinate medication, follow-up tele-consultations and your safe departure back home.

• 12+ years of experience in international patient care
• 1000+ patients from the Middle East, Africa, Europe and Asia served
• Empanelled with Max, Apollo, Medanta, Fortis, BLK-Max, Artemis, Amrita, Aster and more
• Multi-language support — English, Arabic, Russian, French, Swahili
• 24/7 patient support helpline
• Transparent billing — no hidden charges, no fees from patients
• Direct coordination with Cigna's TPA for fast pre-authorization & settlement

Q1. Will I have to pay anything upfront at the hospital?

No. Once your Cigna pre-authorization is approved, your hospital bills for covered treatment are settled directly between the hospital and Cigna (via their TPA). Non-covered expenses (such as accommodation outside the hospital, food for attendants, or items beyond your policy benefits) may be paid by you separately.

Q2. How long does Cigna pre-authorization take?

Typically 3–7 working days from the time we submit the complete estimate and medical case to Cigna's TPA. Urgent cases (oncology, cardiac, transplant) can often be expedited. We follow up daily to keep the process moving and update you in real time.

Q3. Which Cigna plans does Satyug Healthcare support?

We support all Cigna international plans including Cigna Global, Cigna International Health Plans, Cigna Expat, Cigna Private Medical Insurance (UK), Cigna Healthcare Middle East and corporate group plans. Coverage and cashless eligibility depend on your specific policy — we verify before submission.

Q4. What if my treatment estimate exceeds my policy limit?

We share the full estimate transparently with you. If the cost exceeds your Cigna policy limit (annual cap or per-procedure cap), the balance can be paid by you directly to the hospital. We always work to keep treatment within your insurance limit by selecting cost-effective hospitals and treatment options.

Q5. Can I bring family members with me?

Yes. We arrange the medical visa invitation letter for the patient and up to two accompanying attendants (typically a spouse, parent or adult child). Additional family members can also be accommodated on request.

Q6. Does Satyug Healthcare charge any fee from the patient?

No. Our medical opinion, coordination, airport pickup, hospital assistance and case management services are completely free for Cigna Insurance patients. We are paid a coordination fee directly by our partner hospitals.

? Start Your Cashless Treatment Journey Today

Cigna Global Health Insurance member? Get a free medical opinion and treatment estimate from leading Indian hospitals within 24–48 hours — at no cost.

? +91-8860606766 | +91-9910655125

?? query@satyughealthcare.com

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